Central Bank 5% Initiative for Clinic-Owning Doctors — banque du caire | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Central Bank 5% Initiative for Clinic-Owning Doctors

banque du caire · Loans · Egyptian Pound · 4.0 · Thursday 22 October 2026 - 09:00 PM

Financing of up to EGP 3 million for clinic-owning doctors at a 5% annual reducing-balance interest rate, covering 90% of eligible medical equipment and supplies.

Interest rate
5%
Loan amount
EGP 20K – 3M
Term up to
7 yrs
Type
Personal Loan

Banky Analysis

An audit of the product itself

Loans cannot be reduced to one number. Below is what each bank publishes, and what it does not

What you trade off:

  • Branch application only
  • Requires a down payment
  • Requires collateral
  • Repayment term shorter than average

What's good

  • Maximum amount higher than average
  • The bank publishes its processing fee

Not known yet

1 more detail we don't have yet

All of this is measured against personal loans in EGP only

Last checked Monday 26 October 2026 - 02:17 AM

Rates, terms & fees

Loan type
Personal Loan
Interest type
Reducing Balance
Interest rate
5%
Min amount
EGP 20,000
Max amount
EGP 3,000,000
Min term
1 yr
Max term
7 yrs
Max DTI
50%
Max financing
90%
Processing fee (%)
2.5%
Early repayment penalty
10%

Eligibility & requirements

Min age
25
Max age
65
Approved employer
No
Requires collateral
Yes
Life insurance
No
Accepted employment types
Self-Employed
Accepted professions
Doctor
Security types
Without Salary TransferSalary Transfer
Required documents
National ID CopyCommercial RegisterTax Card
Eligibility criteria
Nationalityegyptian
Requires iScoreNo

Do the maths

Central Bank 5% Initiative for Clinic-Owning Doctors

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • A 5% annual reducing-balance interest rate.
  • financing covering up to 90% of eligible medical equipment and supplies

Cons

  • inancing is restricted to eligible medical equipment, devices, and supplies.

Our take

Banque du Caire’s financing program under the Central Bank of Egypt’s 5% initiative enables doctors who own clinics to borrow up to EGP 3 million at a competitive annual reducing-balance interest rate of 5%, with repayment terms of up to seven years. The facility covers 90% of the cost of medical devices, equipment, or supplies, based on the submitted quotation, helping doctors upgrade their clinics at a lower financing cost. However, the funds are restricted to the specified purposes, and borrowers must cover the remaining 10% of the purchase cost from their own resources.

Financing of up to EGP 3 million for clinic-owning doctors at a 5% annual reducing-balance interest rate, covering 90% of eligible medical equipment and supplies.

Compare

Alternatives at a glance
Central Bank 5% Initiative for Clinic-Owning Doctors banque du caire This one Loan Secured by a Savings Vessel Arab African International Bank Loan Secured by Savings Vessels Agricultural Bank of Egypt Personal Loan for Bank Employees National Bank of Kuwait Egypt
Interest rate
5% 4% 2.5% 0% – 18%
Loan amount
EGP 20K – 3M EGP 10K – 6M — EGP 20K – 3.5M
Term up to
7 yrs 10 yrs 10 yrs 10 yrs
Type
Personal Loan Personal Loan Personal Loan Personal Loan
Compare with 3 similar loans

Added Thursday 02 July 2026 - 11:26 AM Updated Thursday 22 October 2026 - 09:00 PM